AUTOMOBILE INSURANCE

AUTO INSURANCE

We know you are bombarded with a vast array of large insurance companies promising to save you money on your auto insurance policies. But what if you could get personalized, one-on-one service from a Personal Insurance Advisor and save money? Now you can.

Whether you own or lease your auto, it is important to protect your vehicle from theft and damage. It is also important to protect yourself, your family and your passengers for personal liability. Auto insurance in Massachusetts is now open to competition among the different insurance companies, and as an independent insurance agency committed to finding the right product to meet your needs. We are able to identify the right coverage for you at the right price, guiding you every step of the way.

Everyone at the Townsend Insurance Group knows that purchasing a vehicle is a significant financial commitment you are making and we don’t take that lightly. Making sure it has the right coverage is critical to keeping you protected at all times. Don’t wait until you have an accident to find out what is covered and what isn’t. Let the Townsend Insurance Group help you identify the best policy for you, at a price you can afford.

What’s more is that having sufficient auto insurance coverage is a social responsibility. Driving without insurance, or the ability to pay for any damages you may cause, puts others at financial risk. A basic auto insurance policy contains six types of coverage:

BODILY INJURY

Liability coverage is for the damage you do to others. This coverage is expressed as three numbers, for example 100/300/100, which means $100,000 in bodily injury coverage per person, $300,000 in bodily injury coverage per accident and $100,000 in property-damage coverage per accident. This coverage is also designed to pay for your legal bills if you cause an accident. Because this coverage pays for damage you do to others, states require certain minimum levels of coverage. Bodily injury liability covers medical bills and lost wages to others if you are the cause of an accident.

PROPERTY DAMAGE LIABILITY

This coverage pays for repairs or to replace property that you destroy, for example someone else’s car, or if you run into their fence or wall. This coverage can also pay for “pain and suffering” damages if you are sued after a car accident..

COLLISION

Collision coverage pays to repair your own vehicle in the event of an accident. In the event of significant damage your car might be considered “totaled”. This is the case when the repair costs exceed a certain threshold of the car’s value, such as 70 percent. At that point, the insurance company will generally pay to tow away the car to a salvage yard and pay you the actual cash value.

MEDICAL PAYMENTS OR PERSONAL INJURY PROTECTION (PIP)

Medical payments coverage pays for the medical expenses suffered by you and your passengers as the result of an accident. Coverage also extends to you when you are driving someone else’s car or if you are injured when a car hits you. The policy pays regardless of who caused the accident. Personal Injury Protection coverage pays for medical expenses and lost wages for you and your passengers who are injured in an accident. It also covers funeral costs. If you have good health insurance and disability insurance, you might decide not to purchase this coverage as it may duplicate coverage you already have.

COMPREHENSIVE

This coverage pays for damage to your car that is not the result of an accident. This includes things such as fire, vandalism, theft, natural disasters and collisions with animals (such as hitting a deer).

UNINSURED/UNDERINSURED MOTORISTS COVERAGE (UM/UIM)

Uninsured motorists (UM) coverage pays for your medical bills if an uninsured driver hits your car or if you’re a victim of a hit-and-run. Underinsured motorists (UIM) coverage comes to play when someone causes an accident but doesn’t have enough insurance to cover all medical bills. In that case the at-fault person’s insurance pays up to its maximum and then your UIM coverage pays for the remaining bills, up to your policy limit.

RENTAL REIMBURSEMENT

This protection can pay for a rental car when your vehicle is damaged or stolen.

TOWING AND LABOR COVERAGE

This coverage can pay for the cost of towing or labor associated with road breakdowns.

GAP COVERAGE

This coverage is for newer vehicles and pays the difference between the actual cash value of the vehicle and the amount left on your car loan if your vehicle is totaled.

FACT:

Did you know you can save over 15% by bundling your insurance?

INDIVIDUAL LIFE

Always be there for your family.

INDIVIDUAL HEALTH

Cut through the clutter for a policy that fits.

LONG TERM CARE

Protect your family in the event of prolonged medical needs.

HOMEOWNER

Two out of three U.S. homes are vastly underinsured

IDENTITY THEFT

Keep your personal information to yourself.

RECREATIONAL

Don’t cut short your amazing adventure.

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